Welcome ...

Our website is designed to be a comprehensive resource
for information on life and health insurance. You are invited to
browse around all you like. We believe you will find this site to be both interesting and
informative. Please drop by often for the latest news and updates.

Company Profile ...

We are an independent agency and
specializing in Life & Health insurance. We represent a carefully selected group of
highly reputable and financially sound insurance companies, but we work for our clients!
Having multiple companies from which to choose allows us to offer you the most suitable
coverage at the most competitive price.

Our Mission ...

We take our role as agents very seriously and you can
depend on us to fulfill our function in a personalized, professional and conscientious
manner.

We are committed to maintaining a high standard
of excellence in all that we do and to establishing a relationship of mutual trust and
respect with all our clients.

General Insurance Concepts ...

The purpose of insurance is to spread risk
amongst others and is intended to provide a practical solution to economic uncertainties
and unexpected losses. It is one of the five methods you may use to manage and control
risk:

Avoidance: If
you avoid doing something, you will avoid the possibility of a loss from this particular risk.

Assumption:
Instead of purchasing insurance you decide to assume the risk by self-insuring.

Transfer:
This choice is what insurance is all about and is the most common way to manage risks. Transfer the risk to the insurance company and have the insurance
company pay for any losses.

Sharing: While
you transfer most of the risk to an insurance company you may
have to share part of the losses. Examples of this would exist in health, auto and
casualty insurance through the use of deductibles and co-insurance requirements.

Reduction:
Examples of risk reduction is the installation of smoke detectors,
sprinkler systems, burglar and fire alarm systems and the use of air bags in autos.
Some insurance companies offer special rate reductions when you have some of
these.

There are also different types of insurers:

Stock Company Insurer: Owned by shareholders just like shareholders of other
corporations. Shareholders share the profits of the company when and if a dividend
is declared. This type of dividend represents profits, not a return of invested capital.

Mutual Company Insurer: The owners of this company are the policy owners, not
shareholders. Policy owners may receive dividends, but unlike a stock company
dividend, the dividends represent a return of premium.